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You keep coming back to rate. Its important to forget rate for a moment. Put it to one side for the time being. After all...is the cheapest car the best car for your needs? Is the cheapest TV the best TV for your needs? Use lenders that will get you to your end goal ( ie the next 3,4,5...

Think of this like a game of snooker. Imagine you have several shots to choose from today. Is sinking the one easy shot the goal, or is sinking all the balls the goal? Rather than taking the most obvious shot, pause and consider where you'd like to place the white ball for your next shot, and...